Last updated: 24 September 2026
ReviewYourMortgage.com.au is owned and operated by EMBR Group Pty Ltd ABN 27 147 278 153 ("EMBR", "Review Your Mortgage", "we", "us" or "our").
We respect your privacy and are committed to handling personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles and other applicable Australian laws.
This Privacy Policy explains how we collect, hold, use and disclose personal information when you visit ReviewYourMortgage.com.au, submit an enquiry or otherwise interact with us.
Review Your Mortgage provides an online enquiry, lead-generation and referral service.
When you submit an enquiry, we collect information about your current mortgage, property and objectives so that we can process your enquiry and determine whether it may be appropriate to refer you to a relevant third-party service provider.
Depending on the nature of your enquiry, this may include:
The person who first contacts you may not necessarily be the mortgage broker or credit professional who ultimately provides any home loan comparison or credit assistance.
Where regulated credit assistance, a personalised loan recommendation or assistance with a particular credit application is provided, that service must be provided by an appropriately licensed or authorised person.
EMBR Group Pty Ltd
ABN 27 147 278 153
Email: [email protected]
The information we collect depends on how you interact with us and the nature of your enquiry.
This may include:
We seek to collect only information reasonably necessary for our functions and activities.
We may collect personal information:
We may collect, hold and use your information to:
Review Your Mortgage does not use the information entered into the Website to approve or decline a home loan.
We may use automated systems to assist with processing, validating and managing enquiries, including determining whether an enquiry meets the minimum criteria we use for referral to participating service providers.
These criteria may include information such as:
If an enquiry does not meet the applicable referral criteria, it may not be referred to a mortgage broker or other provider through our service.
Our systems do not:
We do not currently use individual lead scoring to determine which participating mortgage broker should receive an enquiry based on the value or characteristics of that individual lead.
Where an enquiry is referred, the broker, credit provider or other provider will undertake its own assessment and may request additional or updated information from you. Where personalised credit assistance is required, this will be undertaken separately by an appropriately licensed or authorised provider.
We may update or introduce technology used in providing our services from time to time. Where a new use of personal information requires additional notification, consent or changes to this Privacy Policy under applicable privacy laws, we will take the required steps before or at the time that use is introduced.
Depending on your enquiry, we may disclose personal information to:
We do not represent that every provider to whom an enquiry may be referred is itself a mortgage broker.
Where a provider is not appropriately licensed or authorised to provide credit assistance, that provider should not be understood as providing you with a personalised home loan recommendation or lender comparison.
ASIC notes that referral activity can itself become regulated credit activity depending on what is said or done, particularly where a person suggests or assists with a particular credit contract.
The person who first contacts you may:
If your enquiry progresses to a personalised home loan comparison, recommendation, credit application or other regulated credit assistance, those services will be provided by an appropriately licensed or authorised person.
A mortgage broker's lender panel may not include every lender or home loan available in Australia.
EMBR may receive a fixed or predetermined referral fee when an eligible enquiry is referred to a participating provider.
For mortgage referral arrangements, the amount payable to EMBR is not determined by:
Mortgage enquiries are not allocated through a highest-bid auction process based on the individual consumer or their financial circumstances.
Different participating providers may have different commercial arrangements with EMBR.
Where a consumer is referred to a business offering a non-credit service, such as a property or debt-reduction strategy service, a different commercial arrangement may apply. This does not alter the requirement that any regulated credit assistance must be provided by an appropriately licensed or authorised person.
A mortgage broker or other provider may separately receive commissions, fees or other remuneration in connection with services it provides to you. Any required disclosure of those arrangements is the responsibility of that provider.
When you submit an enquiry, you are requesting contact in relation to that enquiry.
You may therefore be contacted by EMBR and/or a provider to whom your enquiry has been referred by:
The initial contact may be made by a customer-service representative or appointment setter rather than by the mortgage broker or adviser who may later assist you.
Contact may include:
Submitting an enquiry does not guarantee that a provider will be able to assist or that any particular loan, rate, saving or service will be available.
We may send marketing communications where you have consented to receive them or where otherwise permitted by law.
Marketing communications may relate to products or services offered by EMBR or relevant third parties.
You may opt out at any time by:
Withdrawing marketing consent does not necessarily prevent contact reasonably necessary to deal with an enquiry or service you have already requested.
We may use cookies, pixels and similar technologies to:
These technologies may collect information including your IP address, browser, device type, Website interactions and advertising identifiers.
You can control or disable cookies using your browser settings, although some Website functionality may be affected.
Some technology and service providers used by EMBR may store or process personal information outside Australia.
These may include providers of:
Where required by the Privacy Act, we take reasonable steps in relation to overseas disclosures.
We take reasonable steps to ensure personal information we use or disclose is accurate, complete, up to date and relevant.
Information submitted through an online enquiry may be preliminary, approximate or incomplete.
A provider may ask you to confirm or update information before it determines whether or how it can assist.
We take reasonable steps to protect personal information we hold from:
Our safeguards may include technical, administrative and organisational security measures appropriate to the nature of the information we hold.
We retain personal information for as long as reasonably necessary for:
Where information is no longer required and we are not required to retain it, we take reasonable steps to destroy or de-identify it.
Where required by law, we assess suspected eligible data breaches and notify affected individuals and the Office of the Australian Information Commissioner where required under the Notifiable Data Breaches scheme.
You may request access to, or correction of, personal information we hold about you by contacting:
We will respond within a reasonable period and in accordance with applicable privacy law.
You may ask us to delete or de-identify personal information we hold about you.
Australian privacy law does not provide an unrestricted right to deletion in every circumstance. We may need to retain information for legal, regulatory, record-keeping, dispute-resolution or other legitimate purposes.
Where your enquiry is referred to another provider, that provider may have its own Privacy Policy and will be responsible for personal information it subsequently collects and handles.
We encourage you to review the provider's Privacy Policy when dealing with it.
If you believe we have not handled your personal information appropriately, contact:
Privacy Officer
EMBR Group Pty Ltd
[email protected]
We will investigate and respond within a reasonable period.
If you are not satisfied with our response, you may be able to lodge a complaint with the Office of the Australian Information Commissioner.
We may update this Privacy Policy from time to time to reflect changes to our business practices, services, technology or legal obligations.
The current version will be published at ReviewYourMortgage.com.au and will display the date on which it was last updated.
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